極限我們群眾法庭對江西省高階我們群眾法庭對《國內 深圳中國銀行郴州市蘇仙區支行與中保物權保障我司現有我司江西省郴州市蘇仙區支我司確保保障我司協議是非一案的請示申請書申請書》的復函

江西省一級(ji)群眾法院(yuan)執行：

　　你院〔1996〕湘(xiang)經(jing)再字(zi)第53號(hao)《國內 工商部門金(jin)融機(ji)構郴州(zhou)市(shi)蘇(su)仙區支(zhi)行與(yu)中保牲畜穩妥局(ju)限廠家河南(nan)省郴州(zhou)市(shi)蘇(su)仙區支(zhi)廠家確(que)認穩妥承包合同法律糾紛(fen)一案(an)的請(qing)示申請(qing)書申請(qing)書》收悉。經(jing)科(ke)學研(yan)究，復函如(ru)表：

　　一(yi)、 保(bao)(bao)障商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)是由(you)(you)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)其他買商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)人向被(bei)(bei)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人（即債(zhai)款(kuan)(kuan)人）打造融資貸款(kuan)(kuan)擔保(bao)(bao)責(ze)(ze)任(ren)(ren)的(de)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)，當買商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)人不可(ke)以履行(xing)與被(bei)(bei)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人簽訂的(de)三(san)方(fang)合作(zuo)合約(yue)所規范的(de)盡(jin)義務(wu)(wu)，給被(bei)(bei)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人誘發區域經濟財產損失(shi)時，由(you)(you)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人采用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)其對(dui)買商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)人的(de)承(cheng)若(ruo)向被(bei)(bei)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人承(cheng)擔起(qi)授權委托(tuo)房屋補償的(de)責(ze)(ze)任(ren)(ren)心。由(you)(you)于(yu)， 保(bao)(bao)障商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)雖然商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人開設的(de)一(yi)款(kuan)(kuan)人身險(xian)(xian)(xian)服(fu)(fu)務(wu)(wu)種類，真的(de)質是商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人對(dui)債(zhai)款(kuan)(kuan)人的(de)1種融資貸款(kuan)(kuan)擔保(bao)(bao)責(ze)(ze)任(ren)(ren)的(de)行(xing)為。在各個企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)借款(kuan)(kuan) 保(bao)(bao)障商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)三(san)方(fang)合作(zuo)合約(yue)中(zhong)，因各個企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)申請破產或跑路，央行(xing)向商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)險(xian)(xian)(xian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)行(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)服(fu)(fu)務(wu)(wu)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)我(wo)(wo)(wo)司(si)(si)(si)(si)觀點(dian)權益，應(ying)按(an)借款(kuan)(kuan) 保(bao)(bao)障三(san)方(fang)合作(zuo)合約(yue)糾分(fen)處里，選用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)相關的(de)英文融資貸款(kuan)(kuan)擔保(bao)(bao)責(ze)(ze)任(ren)(ren)的(de)法律(lv)專業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)。

　　二、保(bao)(bao)(bao)(bao)障(zhang)(zhang)單中“保(bao)(bao)(bao)(bao)障(zhang)(zhang)期一年”的(de)(de)簽(qian)訂(ding)，不相適用(yong)《客戶借(jie)款(kuan) 保(bao)(bao)(bao)(bao)障(zhang)(zhang)保(bao)(bao)(bao)(bao)障(zhang)(zhang)暫行具體辦法(fa)》的(de)(de)法(fa)律(lv)(lv)法(fa)規標準，且保(bao)(bao)(bao)(bao)障(zhang)(zhang)人與承保(bao)(bao)(bao)(bao)人就保(bao)(bao)(bao)(bao)障(zhang)(zhang)法(fa)定(ding)周(zhou)期的(de)(de)簽(qian)訂(ding)對債款(kuan)人并沒有依賴力，保(bao)(bao)(bao)(bao)障(zhang)(zhang)大公司仍應按借(jie)款(kuan)合作合同中法(fa)律(lv)(lv)法(fa)規標準的(de)(de) 保(bao)(bao)(bao)(bao)障(zhang)(zhang)法(fa)定(ding)周(zhou)期承當(dang)權利與義(yi)務。

　　三、由此可(ke)見國(guo)工商行(xing)銀行(xing)卡(ka)業(ye)郴(chen)州市(shi)蘇仙區支行(xing)合理上再次收取了50%的商業(ye)保險(xian)費率(lv)，要根據(ju)權限義務(wu)人(ren)對等的條(tiao)件(jian)，而對于郴(chen)縣天字體多金(jin)屬材質礦所欠放貸投資(zi)款(kuan)、貸款(kuan)利息，應由商業(ye)保險(xian)和銀行(xing)卡(ka)業(ye)兩人(ren)原被告各承擔起50%。